Jose Delgado is a financial advisor at Fidelity with a Series 66 designation and one year of industry experience. His prior work includes roles at Tri Counties Bank and JPMorgan Chase. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, as well as registered investment companies. The firm utilizes a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage portfolios, and it serves a range of clients through discretionary and non-discretionary advisory services.

Stanley Leong is a financial advisor with Ameriprise in Roseville, CA, holding the CFP®, ChFC®, and Series 66 credentials and has 23 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Outside of his advisory work, he is authoring a new book to be sold on Amazon. Ameriprise provides retirement-income planning services primarily for individuals approaching or in retirement with significant investable assets, combining research-driven modeling and tax-efficient strategies to support clients’ income goals.

Steve Cowles is a financial advisor at Edward Jones with 15 years of industry experience. He holds the Series 66 designation and has been with Edward Jones since 2010. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including high-net-worth households and corporate clients. The firm manages approximately $1.01 trillion in assets through a nationwide network of over 23,700 financial advisors, offering a range of advisory programs, tax-efficient services, and affiliated investment products.

Violetta Terpeluk is a financial advisor with Ameriprise in Roseville, CA, holding a Series 66 designation and bringing 24 years of industry experience. She has been with Ameriprise and its related entities since 2005. Outside of her advisory role, she is the author of a consumer-education book titled *Financial FLOW: The Art of Fulfilling Life and Optimizing Wealth* and is involved in business advisory and consulting through Indigai Business Advisory. Ameriprise Financial Services is a large diversified firm serving individual and institutional clients, known for its Premier Retirement Income service that provides tailored retirement income planning supported by proprietary research and algorithmic tools.

John Landberg is a CFP®-designated financial advisor with Robert W. Baird & Co., where he has worked for 17 years. He has 36 years of industry experience. Outside of advising, he holds a 20% ownership interest in Penryn Park Partners, a land development business. He is part of The DDK Group within Baird’s Private Wealth Management department, which serves high net worth individuals, corporate clients, pensions, and charitable organizations. The firm offers a range of services including financial planning, portfolio management, and custody, utilizing a combination of manager-traded and model-traded strategies alongside tax management and direct indexing.

Ron Dale is a CFP® with 34 years of experience in the financial industry. He is currently affiliated with OSAIC and has previously worked at Royal Alliance Associates, Inc. and Signator Investors, Inc. Beyond advising, he manages Dale Orchards, LLC, a family walnut farm, and serves as a board member for the Garden Highway Mutual Water Company, a local irrigation water district. OSAIC serves a diverse client base including individual investors, institutions, and charitable organizations, offering integrated brokerage, advisory services, and access to third-party money managers. The firm utilizes various asset-allocation tools and supports multiple advisory platforms and legacy accounts.

Cesar Lopez is a financial advisor at OSAIC with 33 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at Woodbury Financial Services and Questar Asset Management. Outside of advising, he serves as president of NLA Insurance Services, a company selling life, medical, fixed annuities, long-term care, and disability insurance products, and is a partner in a financial advisor back-office platform and a business property management LLC. OSAIC Wealth, Inc. serves a broad range of retail and institutional clients through a large network of affiliated advisors, offering brokerage and advisory services, financial planning, retirement consulting, and access to multiple managed account solutions. The firm employs various asset allocation tools and supports both discretionary and non-discretionary portfolio management across diverse investment products.

Alexis Zenahlik is a financial advisor with Robert W. Baird & Co., holding a Series 66 designation and two years of industry experience. Prior to joining Baird in 2022, Alexis held positions at JPMorgan Chase and the Nevada County Association of Realtors. Alexis is part of The DDK Group, a team within Baird’s Private Wealth Management practice that serves individuals, families, pensions, corporations, and institutional clients. The group offers tailored financial planning and portfolio management services, utilizing a range of investment strategies and overlay services to meet client goals and risk tolerances.

Sarah Swearinger is a financial advisor at Fidelity with Series 63 and Series 65 credentials and 19 years of industry experience. Her prior roles include positions at CUSO Financial Services LP and Patelco Credit Union. She currently works in Newcastle, CA. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including an IRS-qualified Charitable Gift Fund and registered investment companies. The firm employs a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage portfolios and serves as a commodity pool operator with a formal advisory role to multiple registered investment companies.

Dana Lanzaro is a financial advisor with Ameriprise in Roseville, CA, holding a Series 63 designation and 31 years of industry experience. Prior to joining Ameriprise in 2025, Dana worked at Safe Credit Union and LPL Financial, LLC for 18 years. Ameriprise Financial Services is a large, diversified advisory firm serving both individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides tailored retirement income planning advice through written Recommendation Reports and ongoing annual reviews.

Sarah Chavez is a financial advisor at Thrivent Investment Management with eight years of industry experience. She previously worked at LPL Financial and operated the Sarah Greenway Insurance Agency. She holds Series 63 and Series 66 credentials. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, focusing on holistic, goal-based financial planning without discretionary trading authority. The firm offers a consolidated billing option called “WealthPlan” that combines planning and managed-account programs while maintaining them as separate services.

Aubrey Currington is a Wealth Management Advisor at Merrill Lynch Wealth Management, specializing in assisting business owners align their business and personal finances. She is a Certified Exit Planning Advisor (CEPA) professional, equipped to help clients navigate various life stages including business growth, retirement planning, and business transitions. With a foundation built on early financial lessons, Aubrey focuses on personalized financial strategies tailored to clients' long-term goals. Her expertise encompasses corporate benefits, employee benefits planning, family wealth management strategies, personal retirement planning, small business strategies, and retirement income. She holds a Bachelor's Degree from California State University Sacramento and maintains several professional designations including CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Beyond her professional role, Aubrey is engaged in community activities through organizations such as 100 Black Men of Sacramento, FBI Citizens Academy Alumni, and the US Attorney's Office Hate Crime Task Force. She is also a member of the California Association for Nurse Practitioners. Her personal interests include cooking, football, soccer, and traveling.

Lindsay Key is a financial advisor at Morgan Stanley with 20 years of industry experience. She holds a Series 66 designation and has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2019, following six years at E*Trade Capital Management LLC and E*Trade Securities LLC. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide range of advisory programs including tailored financial planning. The firm’s process uses structured discovery and approved planning tools, supporting clients with comprehensive financial strategies without providing individual security recommendations in standalone planning.

Daniel Hunter is a Series 66-licensed financial advisor with Edward Jones in Folsom, California, where he has worked since 2010. He has 15 years of industry experience. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, and operates under a fiduciary standard.

Brandon Fahl is a Vice President and Financial Consultant at Fidelity Investments, a role he has held since 2020. In this position, he assists clients in achieving their short and long-term financial goals through a structured three-step process involving understanding clients' current situations and goals, developing and reviewing financial plans, and optimizing these plans using Fidelity's resources. Prior to his current role, Brandon gained experience as a Senior Financial Consultant at TD Ameritrade from 2019 to 2020 and as a Financial Adviser at Morgan Stanley from 2016 to 2019. He holds a California Insurance License. Outside of his professional work, Brandon's personal interests include cooking and baking, family activities, running, sailing, scuba diving, and traveling.

Artur Bukatar is a financial advisor with Primerica Advisors in Roseville, CA, holding Series 63 and Series 65 licenses and 15 years of industry experience. He has been affiliated with PFS Investments Inc. since 2011 and Primerica Financial Services since 2010. Outside of advisory work, he receives compensation for referrals related to home security, automation products, and loan services through affiliated companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and separately managed accounts primarily for individual and high-net-worth clients. The firm uses a tiered wrap fee structure and curates third-party asset managers, with trading and execution delegated to BNY Mellon Advisors.

Judy Seibold is a Wealth Management Advisor and Senior Vice President with Merrill Lynch Wealth Management in Roseville, California. With a career beginning at Prudential Securities, she joined Merrill in 1994 and co-founded the Jalli/Seibold Group alongside Leonard Jalli. The team brings more than 60 years of combined financial services experience, focusing on helping high-net-worth individuals and families manage the complexities of their wealth through personalized strategies. Judy's expertise spans college education planning, family wealth management, services for endowments and foundations, and retirement income planning among others. She is also a Merrill Lynch Wealth Management Retirement Benefits Consultant, advising corporate retirement benefit plans across the country. Judy holds a Bachelor of Science degree in financial services from Brigham Young University and maintains several professional designations including CERTIFIED FINANCIAL PLANNER4, Certified Plan Fiduciary Advisor4, and Chartered Retirement Planning Counselor4. Residing in Sacramento with her wife and children, Judy is involved in her community and enjoys endurance sports such as running, swimming, and cycling. She has completed events like IRONMAN Coeur d'Alene and values spending time outdoors with family and friends.

James Apgar is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and 14 years of industry experience. He has been with J.P. Morgan Securities since 2012 and also has a longstanding role at JPMC BANK NA. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, utilizing quantitative asset-allocation modeling and centralized due diligence. The firm offers non-discretionary advice through a structured process that includes an ESG eligibility framework and access to a broad range of approved funds and strategies.

Michelle Mccormick is a Series 66-credentialed financial advisor with one year of industry experience, currently affiliated with LPL Enterprise LLC. She has previously worked in marketing through MCORMC Marketing since 2022 and has a background spanning over a decade in a separate professional role prior to entering the financial services industry. LPL Enterprise serves a diverse client base, including individuals, retirement plans, charitable organizations, corporations, and institutional clients, offering financial planning, advisory services, and access to model portfolios and third-party asset management. The firm combines advisory programs with brokerage and insurance product sales on an integrated platform.

James Orchard is a financial advisor at Ameriprise with a Series 66 designation and less than one year of industry experience. His prior work includes roles in the hospitality sector and teaching at several California high schools and colleges. Ameriprise offers retirement-income planning services tailored for clients with significant investable assets, combining research, modeling, and tax-efficiency analysis to provide non-discretionary, written recommendations through a centralized consulting team.